Welcome to our dedicated page for Uwm Holdings Corporation SEC filings (Ticker: UWMC), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Mortgage lenders rarely explain how volatile rate hedging, servicing-right valuations, and warehouse funding move their bottom line. UWM Holdings Corporation鈥檚 SEC disclosures go even deeper, layering complex fair-value marks on top of billions in wholesale loan production. If you have ever opened a 10-K just to find gain-on-sale margins or track insider share sales, you know the challenge.
Stock Titan鈥檚 AI-powered summaries remove that friction. Open any UWM quarterly earnings report 10-Q filing and our platform highlights net servicing income, pull-through adjustments, and liquidity metrics in seconds. Need UWM Form 4 insider transactions real-time? We alert you the moment a director buys or sells, with context around pricing and rate trends. Even UWM 8-K material events explained鈥攆rom warehouse covenant changes to hedging amendments鈥攁rrive in plain language. Our dashboard layers unbiased UWM Holdings earnings report filing analysis over historical data so patterns are obvious, not hidden in footnotes.
Every document filed with EDGAR is here, updated the instant it posts: UWM annual report 10-K simplified for wholesale mortgage trends, UWM proxy statement executive compensation details tied to production volume, and a searchable log of UWM Holdings insider trading Form 4 transactions. Professionals visit this page when they Google 鈥�UWM SEC filings explained simply鈥� or 鈥�understanding UWM SEC documents with AI.鈥� Use it to:
- Compare gain-on-sale margins across rate cycles
- Monitor UWM executive stock transactions Form 4 before material announcements
- Evaluate covenant headroom in warehouse lines disclosed in the 10-K
UWM Holdings (UWMC) 鈥� Form 4 insider activity
President, CEO and 10 % owner Mat Ishbia, acting through affiliate SFS Corp., sold 1,200,108 Class A shares across 5-7 Aug 2025 under a Rule 10b5-1 plan adopted 17 Mar 2025. Weighted-average prices were $4.31, $4.25 and $4.61. The sales lowered SFS Corp.鈥檚 indirect holdings from 3.90 m to 2.70 m shares. Ishbia continues to own 279,989 shares directly.
Post-transaction, total direct and indirect beneficial ownership is ~2.98 m shares. The filing also reports 180,737 unvested RSUs that will convert one-for-one into Class A stock on 1 Mar 2026 under the 2020 Omnibus Incentive Plan.
The disclosure reflects substantial insider monetisation yet preserves a meaningful stake and provides transparency through the pre-arranged trading plan.
UWM Holdings (UWMC) posted strong Q2-25 results despite a challenging first half. For the quarter ended 6/30/25, total revenue rose 22% YoY to $758.7 m, driven by a 25% jump in loan production income and 24% growth in servicing income. A $208.9 m gain on interest-rate derivatives more than offset a $111.4 m MSR fair-value hit, pushing pre-tax earnings to $329.4 m versus $77.1 m a year earlier. Net income attributable to common shareholders climbed to $22.9 m ($0.11 diluted EPS) from $3.1 m ($0.03).
Year-to-date figures remain pressured: revenue increased 14% to $1.37 bn, but a $500.0 m MSR write-down dragged net income to $67.5 m, down 74% YoY; diluted EPS is $0.03 versus $0.12. Operating cash flow swung to +$328 m from a 鈥�$3.52 bn outflow last year as mortgage inventory fell $1.48 bn and MSR sales generated $1.59 bn.
Balance sheet trends: assets fell to $13.9 bn (-11% from 12/31/24) on lower mortgage loans and MSRs. Warehouse line draws dropped to $7.25 bn (-17%), while secured MSR lines declined to $425 m. Cash closed at $490 m. Equity slipped to $1.75 bn as MSR marks and distributions to SFS Corp. outweighed earnings.
Liquidity & leverage: net debt (warehouse, secured lines, senior notes minus cash) is ~10.0 bn; interest expense rose 23% YoY to $133.5 m. UWMC remains in compliance with all warehouse, MSR-facility and agency capital covenants, with minimum net worth of $660 m versus actual $1.75 bn.
Outlook implications: The sharp quarterly rebound highlights hedging effectiveness and volume recovery, yet persistent MSR valuation headwinds, higher funding costs and large non-controlling payouts temper full-year visibility.
Form 4: CEO & President Mat Ishbia (via SFS Holding Corp.) converted 4,200,000 UWM Paired Interests into the same number of Class A shares on 08/01/25. Under a Rule 10b5-1 plan adopted 03/17/25, SFS then sold 400,036 shares at a VWAP of $4.19 on 08/01/25 and another 400,036 shares at a VWAP of $4.25 on 08/04/25.
Post-sale indirect Class A ownership fell from 4,698,884 to 3,898,812 shares, while Ishbia also owns 279,989 shares directly. He still controls 1.38 billion convertible UWM Paired Interests, so voting and economic control remain largely unchanged.
The transactions add 4.2 million shares to the public float and represent modest (鈮�0.2% of total convertible holdings) liquidity, not a strategic exit. No derivatives were disposed of; 180,737 RSUs vest on 03/01/26.
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